Serving alcohol? Let's make sure it's covered right.
Alcohol service changes the liability conversation, and general liability generally will not respond to an alcohol claim. We review your liquor liability, your limits, and how your state's rules apply.
Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.
Why alcohol needs its own review
Owners often assume general liability covers alcohol claims; it generally does not. Liquor liability is a separate coverage, and the exposure, over-service, dram-shop, and sometimes assault-and-battery, depends on how and how much you serve. A review confirms the coverage is there and fits the operation.
State rules and limits
Dram-shop laws vary widely by state and shape both whether you can be held responsible and how much coverage makes sense. We help you understand how alcohol service intersects with your coverage and your state's framework, and whether your limits and umbrella are adequate. This is general guidance; verify specifics with your state and counsel.
When to do it
Review liquor liability when you add alcohol, change your service model, get a lease or venue requirement, cater events with alcohol, or simply have not looked at it. For bars and alcohol-focused operations, it is the central coverage to get right.
Common questions.
Does general liability cover alcohol claims?
Do I need liquor liability for beer and wine?
How do state rules affect my coverage?
Want a clear read before you commit?
Tell us what you are dealing with and we will give you a straight, educational read. No pressure, no obligation.
Get alcohol coverage right for your state.
Tell us how you serve alcohol and we will review liquor liability and limits.